FDIC Cert #855 · Eutaw, Alabama · Est. 1900

Merchants & Farmers Bank of Greene County, Alabama - FDIC Bank Health Profile

A community-scale look at Merchants & Farmers Bank of Greene County, Alabama's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$128M
Total assets
B
Health grade · Good
1.07%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

Merchants & Farmers Bank of Greene County, Alabama earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.27% Tier 1, profitable at 1.07% ROA, 67% efficiency ratio.

#3,526
largest of 4,313 FDIC banks by assets
18th
percentile by asset size, nationally
12.27%
Tier 1 ratio - above the 10% well-capitalized line
48th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 855 · AL B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2829/4307
  • PHOTO-FINISH Peoples National Ban… · IL
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-HEALTHY 18.5% Texas
  • ROA-PAR 1.07% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Peoples National Bank of Kewanee, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Merchants & Farmers Bank of Greene Co…

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Farmers State Bank · MT · ne…73/100Merchants & Farmers… · AL · …73/100Peoples National Ban… · IL ·…73/100The Mer Rouge State… · LA · …73/100Wahoo State Bank · NE · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Merchants & Farmers Bank of Greene Co… · July 2026

What Merchants & Farmers Bank of Greene Co…'s Call Report plate shows

Merchants & Farmers Bank of Greene County, Alabama (FDIC Cert #855) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,829 of 4,307. Tier 1 capital prints at 12.27%, clearing the 10% well-capitalized line. The Texas Ratio is 18.53%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.07%. Balance-sheet scale is $128M, 3,526th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples National Bank of Kewanee (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Merchants & Farmers Bank of Greene Co…

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

Merchants & Farmers Bank of Greene County, Alabama's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Merchants & Farmers Bank of Greene County, Alabama remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How Merchants & Farmers Bank of Greene County, Alabama's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Merchants & Farmers Bank of Greene County, Alabama's composite health score
Tier 1 Capital Ratio (12.27%) 35/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (18.53%) 10/20
Efficiency Ratio (67.21%) 8/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$128M

Total balance-sheet footings

Total Deposits

$113M

Customer-funded liabilities

Net Loans

$76M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.87% 12.27% 13.67%
Basel III capital ratios - Merchants & Farmers Bank of Greene County, Alabama

Where Merchants & Farmers Bank of Greene County, Alabama ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merchants & Farmers Bank of Greene County, Alabama's score of 73/100 falls in the highlighted band.

Merchants & Farmers Bank of Greene County, Alabama: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 34th percentile higher than 34% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Merchants & Farmers Bank of Greene Co… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Merchants & Farmers Bank of Greene County, Alabama's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Merchants & Farmers Bank of Greene County, Alabama's $128M falls in the highlighted band.

Safety ratios for Merchants & Farmers Bank of Greene Co…

Tier 1 capital ratio
Well-capitalized 10%

12.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.27%
Texas Ratio
18.53%
Equity Capital
$14M

What these ratios mean →

Earnings posture at Merchants & Farmers Bank of Greene Co…

Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
10.20%
Efficiency Ratio
67.21%

What these mean →

Income & expense at Merchants & Farmers Bank of Greene Co…

$7M
Interest Income
$699K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Merchants & Farmers Bank of Greene County, Alabama reports a Texas Ratio of 18.53% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

18.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Merchants & Farmers Bank of Greene County, Alabama on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($128M here), outside Alabama so the neighborhood is not state containment.

The Stockgrowers State Bank $128M · KS Community State Bank $128M · MO First State Bank $129M · IA Bonduel State Bank $128M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Merchants & Farmers Bank of Greene County, Alabama (FDIC Cert #855) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Merchants & Farmers Bank of Greene County, Alabama Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%